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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $91,843 | $78,423+17.1% | $95,964-4.3% | $79,856+15.0% |
| Participation rate | 62.1% | 73.5%-11.4pp | 77.1%-15.0pp | 69.6%-7.6pp |
| Annual return | 21.25% | 19.37%+1.9pp | 91.64%-70.4pp | 31.71%-10.5pp |
| Employer contribution / active EE | $2,937 | $1,945+51.0% | $2,541+15.6% | $2,471+18.8% |
| Participant deferral / active EE | $5,564 | $3,440+61.7% | $4,167+33.5% | $3,741+48.7% |
| Admin fee / account holder | $4,001 | $5,622-28.8% | $6,797-41.1% | $5,306-24.6% |